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Lifestyle Credit Card
Banque Saudi Fransi·Mastercard Platinum
Verified: 2026-04-04
Annual Fee
SAR 288
Rewards Rate
3.25%
APR
43.86%
Income (Y1)
SAR 1,663
Lounges
Yes
Network
Mastercard
Monthly spend:
Fees
| Annual Fee | SAR 288 inc. VAT · Waived on SAR 20,000+ retail spend in last 12 months |
| Supplementary Card Fee | First 2 free, then SAR 115 each inc. VAT |
| FX Fee | 2% |
| Cash Advance Fee | 3% (max SAR 86) inc. VAT |
| Late Payment Fee | SAR 58 inc. VAT |
| Replacement Fee | SAR 17 inc. VAT |
| Monthly Profit Rate | 3% |
| APR | 43.86% |
| Grace Period | 25 days |
| Minimum Repayment | 5% (min SAR 200) |
Rewards & Benefits
Lounge Access
Program
Mastercard Travel Pass (1,300+ lounges)
Visits / Year
8 visits
Guests
Not included
Reward Rates
| Category | Rate | Cap |
|---|---|---|
| Domestic | 0.5% | - |
| Dining | 10% | 250 sar |
| Groceries | 3% | 250 sar |
| Travel | 2% | 250 sar |
| Healthcare | 2% | 250 sar |
| Education | 2% | 250 sar |
Choose 1 category at 10%, 2 at 3%, and 2 at 2%. You can change your category selection monthly via the app.
Other Benefits
- Change categories monthly via app
- Annual fee waived on SAR 20,000+ retail spend
- Purchase protection
Annual Income
Annual Income Calculation
| Annual fee(inc. VAT) | - SAR 287.5 |
| Rewards for spending | + SAR 1,950 |
| Income (First Year) | + SAR 1,663 |
| Annual fee(inc. VAT) | - SAR 287.5 |
| Rewards for spending | + SAR 1,950 |
| Income (Second Year) | + SAR 1,663 |
Income = rewards − fee + welcome bonus. Values based on SAR 5,000/month.
This calculation assumes even spending across reward categories. Achieving this income requires monitoring per-category caps and focusing spend on eligible reward categories.
Requirements
Application Requirements
| ID | Valid National ID or Iqama |
| Bank statement | In some cases |
| Salary certificate | From employer |
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